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    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
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Cabot/drysdens Claimform for Skillstrain finance debt


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Hi Guys

 

Trusty google put me in touch with you guys regarding a friends "claim" from Cabot

 

He was approached about a year ago by them for a debt from 2009 / 2010

from a company that didnt supply the goods regarding a training course

(plenty of posts on google about that company as well!)

in addition to having been pressurised into taking on the course / debt while he was depressed.

 

Unfortunately being a young lad none of the paperwork from them exists any more.

 

At some stage last year he was advised that his debt had been sold to cabot

and subsquently received two payment demands from them which he ignored.

 

The next thing he heard was receiving a Money Claim online demand.

I have some questions and I would be grateful if people could help me get himself sorted.

 

1) I have advised him to send a CCA request tomorrow as per other similiar threads on this forum,

however I am confused as to how long they have, is it 12 + 2 working days or 30 days to reply?

 

2) Are they required to send a notice of intention to act before sening court papers?

 

3) he intendes to contest the claim, if 1 is correct and they do not supply the CCA in time can this be used as a defence in the case?

 

4) any other advise that I should give him (Indeed anyone that has defended similar claims in court and can advise me to help him put his case together I would be grateful.

 

Incidently Cabot Financial (UK) Ltd appears to have a net worth of -6.6million according to Duedil, is this not trading while insolvent?

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Hi, welcome to CAG.

 

 

Who was this course with?

Is there actually a regulated credit agreement on this?

Get the CCA request off to Cabot now £1 statutory fee payable. 12+2 working days to comply.

 

 

Has he checked credit files yet if nor he should do so now.

 

 

Out of interest how old was this young man when he 'signed' up please.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi, welcome to CAG.

 

 

Who was this course with?

 

I tried posting a link but as I am new I cant, there is information about the crowd on Collactive learning.com under Skillstrain Refund and they approached him under their train for trade name.

 

Is there actually a regulated credit agreement on this?

Get the CCA request off to Cabot now £1 statutory fee payable. 12+2 working days to comply.

 

Unknown, have told him to post that off first thing in morning

 

Has he checked credit files yet if nor he should do so now.

 

Yes have told him to do same but experian wanted £15, is there any better value places?

 

Out of interest how old was this young man when he 'signed' up please.

 

I was using young in a broad way, he was over 18 (barely) at the time of the original contract.

 

I also suspect that fees and interest were added by Cabot (still waiting on the original amount of the debt) which to my understanding these are also unenforcable?

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OK friendhelper I.ve asked the site team to amend the title and move the thread to an appropriate forum to get more help for you.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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moved to legals and retitled.

 

get a CPR 31:14 off ASAP too.

 

who is named as claimant please

 

and who is the solicitors

 

we need to see the EXACT PoC as on the claimform.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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moved to legals and retitled.

 

get a CPR 31:14 off ASAP too.

 

This is not one I have come across yet?

will have to search

 

who is named as claimant please

 

Cabot Financial (UK) Limited

1 Kings Hil Avenue

Kings Hill

West Malling

Kent

ME19 4UA

 

and who is the solicitors

 

Drydensfairfax Solicitors

(The Trading name of Drydens Limited)

Shire House

2 Humbolt Street

Bradford

BD1 5HQ

 

we need to see the EXACT PoC as on the claimform.

 

dx

 

Now attached

Edited by friendhelper
Attaching claim as a PDF
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brill wish all posters were this good!!

 

he has ofcourse ackd the claim defend all via mcol/password once registered.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Not yet no, have told him to wait a few days to maximise the time we have to prepare the defence against the claim

 

He has only gone and got advise from a solicitor who has advised him NOT to send the letters

 

Raging is an understatement

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So what has this solicitor advised further?

 

Solicitor has said that it is too late to contact companies and solicitor will prepare defence, I have spend the day hounding the lad and he is sending the letters tomorrow once he has postal order, at least the non receipt of replies will be in advance of the deadline for filing of a defence

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" Solicitor has said that it is too late to contact companies and solicitor will prepare defence "

 

Im sure he did ching ching.:madgrin:

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Seems this solicitor has little knowledge of the debt collection industry and of life in general.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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